+P is a recognized standard by SAAMI... But only for certain calibers. 9mm, 45acp, 38spl... Maybe others as well, but those are the most common ones. I know 40sw does not.
+P+ is not a recognized standard.
After all the gel tests I have seen published online... I have come to the conclusion that if you are using modern hollow point designs from the last ten years or so, from respected brands, that +P is not needed.
Pretty much all of the different brands got better penetration from standard pressure ammo, at only a slight loss in expansion.
This was with 9mm that I focused on, and I did not pay as close attention to other calibers. I suggest looking at the data yourself. There are several YouTube channels that do a good job with testing. TNoutdoors9 has a lot of tests and even does some +P to standard comparisons. (Remember, when comparing differences between standard and +P, you can only compare bullet type to the same type... 124gr HST to 124gr HST... Not 124gr HST to 147gr HST or 124gr HST to 124gr Gold Dot... You can then look between brands to find the one that performs how you like)
Op:
As far as if it is safe to use in your pistols... The XD is most likely fine, the manual is available online if you want to look it up. The Colt may or may not be recommended. It's probably safe to do occasionally though, it is a modern manufacture.